UNITED COMMUNITY BANKS/GA (UCB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UCB - US90984P3038 - Common Stock
31.77 USD
+0.36 (+1.15%)
Taking everything into account, UCB scores 4 out of 10 in our fundamental rating. UCB was compared to 387 industry peers in the Banks industry. UCB may be in some trouble as it scores bad on both profitability and health. UCB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year UCB was profitable.
UCB had a positive operating cash flow in the past year.
UCB had positive earnings in each of the past 5 years.
UCB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.09%, UCB is in the better half of the industry, outperforming 70.54% of the companies in the same industry.
With a Return On Equity value of 8.51%, UCB perfoms like the industry average, outperforming 47.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 8.51% | ||
| ROIC | N/A |
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)7.55%
ROE(5y)8.47%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UCB has a better Profit Margin (29.55%) than 78.04% of its industry peers.
UCB's Profit Margin has declined in the last couple of years.
UCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.55% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.42%
PM growth 5Y-4.36%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
UCB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UCB has more shares outstanding
Compared to 1 year ago, UCB has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UCB is 0.35, which is an excellent value as it means it would take UCB, only 0.35 years of fcf income to pay off all of its debts.
UCB has a Debt to FCF ratio of 0.35. This is amongst the best in the industry. UCB outperforms 82.69% of its industry peers.
A Debt/Equity ratio of 0.04 indicates that UCB is not too dependend on debt financing.
UCB's Debt to Equity ratio of 0.04 is amongst the best of the industry. UCB outperforms 81.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.35 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.55% over the past year.
UCB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.76% yearly.
Looking at the last year, UCB shows a quite strong growth in Revenue. The Revenue has grown by 17.47% in the last year.
The Revenue has been growing by 10.65% on average over the past years. This is quite good.
EPS 1Y (TTM)19.55%
EPS 3Y-9.37%
EPS 5Y-0.76%
EPS Q2Q%31.58%
Revenue 1Y (TTM)17.47%
Revenue growth 3Y10.44%
Revenue growth 5Y10.65%
Sales Q2Q%33.52%
3.2 Future
Based on estimates for the next years, UCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.29% on average per year.
UCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.66% yearly.
EPS Next Y18.69%
EPS Next 2Y12.67%
EPS Next 3Y10.29%
EPS Next 5YN/A
Revenue Next Year9.11%
Revenue Next 2Y7.3%
Revenue Next 3Y6.66%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.08, UCB is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of UCB is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.29, UCB is valued rather cheaply.
The Price/Forward Earnings ratio is 10.88, which indicates a very decent valuation of UCB.
UCB's Price/Forward Earnings is on the same level as the industry average.
UCB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.51, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.08 | ||
| Fwd PE | 10.88 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UCB indicates a somewhat cheap valuation: UCB is cheaper than 75.45% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.79 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
UCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y12.67%
EPS Next 3Y10.29%
5. Dividend
5.1 Amount
UCB has a Yearly Dividend Yield of 3.19%.
Compared to an average industry Dividend Yield of 3.11, UCB pays a bit more dividend than its industry peers.
UCB's Dividend Yield is a higher than the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
5.2 History
The dividend of UCB is nicely growing with an annual growth rate of 8.20%!
UCB has been paying a dividend for over 5 years, so it has already some track record.
As UCB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)8.2%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
UCB pays out 40.20% of its income as dividend. This is a bit on the high side, but may be sustainable.
UCB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP40.2%
EPS Next 2Y12.67%
EPS Next 3Y10.29%
NYSE:UCB (12/10/2025, 1:44:03 PM)
31.77
+0.36 (+1.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners86.05%
Inst Owner ChangeN/A
Ins Owners0.39%
Ins Owner Change-1.95%
Market Cap3.86B
Revenue(TTM)1.04B
Net Income(TTM)306.03M
Analysts74.55
Price Target35.62 (12.12%)
Short Float %1.98%
Short Ratio3.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Yearly Dividend1
Dividend Growth(5Y)8.2%
DP40.2%
Div Incr Years5
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.58%
Min EPS beat(2)6.51%
Max EPS beat(2)6.65%
EPS beat(4)4
Avg EPS beat(4)7.13%
Min EPS beat(4)3.97%
Max EPS beat(4)11.39%
EPS beat(8)7
Avg EPS beat(8)5.42%
EPS beat(12)7
Avg EPS beat(12)0.38%
EPS beat(16)7
Avg EPS beat(16)-0.59%
Revenue beat(2)1
Avg Revenue beat(2)-0.18%
Min Revenue beat(2)-1.46%
Max Revenue beat(2)1.11%
Revenue beat(4)1
Avg Revenue beat(4)-0.87%
Min Revenue beat(4)-2.43%
Max Revenue beat(4)1.11%
Revenue beat(8)1
Avg Revenue beat(8)-5.83%
Revenue beat(12)2
Avg Revenue beat(12)-4.8%
Revenue beat(16)3
Avg Revenue beat(16)-3.87%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0.4%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)1.07%
EPS NY rev (3m)2.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.08 | ||
| Fwd PE | 10.88 | ||
| P/S | 3.73 | ||
| P/FCF | 8.79 | ||
| P/OCF | 8.28 | ||
| P/B | 1.07 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.63
EY8.28%
EPS(NY)2.92
Fwd EY9.19%
FCF(TTM)3.61
FCFY11.37%
OCF(TTM)3.84
OCFY12.08%
SpS8.52
BVpS29.59
TBVpS21.6
PEG (NY)0.65
PEG (5Y)N/A
Graham Number41.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 8.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.55% | ||
| GM | N/A | ||
| FCFM | 42.42% |
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)7.55%
ROE(5y)8.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.42%
PM growth 5Y-4.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.35 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.64% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 143.55% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.41%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.95%
Cap/Sales(5y)4.88%
Profit Quality(3y)152.01%
Profit Quality(5y)134.28%
High Growth Momentum
Growth
EPS 1Y (TTM)19.55%
EPS 3Y-9.37%
EPS 5Y-0.76%
EPS Q2Q%31.58%
EPS Next Y18.69%
EPS Next 2Y12.67%
EPS Next 3Y10.29%
EPS Next 5YN/A
Revenue 1Y (TTM)17.47%
Revenue growth 3Y10.44%
Revenue growth 5Y10.65%
Sales Q2Q%33.52%
Revenue Next Year9.11%
Revenue Next 2Y7.3%
Revenue Next 3Y6.66%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y48.66%
FCF growth 3Y-3.11%
FCF growth 5Y17.88%
OCF growth 1Y25.75%
OCF growth 3Y-0.9%
OCF growth 5Y17.84%
UNITED COMMUNITY BANKS/GA / UCB FAQ
What is the fundamental rating for UCB stock?
ChartMill assigns a fundamental rating of 4 / 10 to UCB.
What is the valuation status of UNITED COMMUNITY BANKS/GA (UCB) stock?
ChartMill assigns a valuation rating of 5 / 10 to UNITED COMMUNITY BANKS/GA (UCB). This can be considered as Fairly Valued.
Can you provide the profitability details for UNITED COMMUNITY BANKS/GA?
UNITED COMMUNITY BANKS/GA (UCB) has a profitability rating of 3 / 10.
How financially healthy is UNITED COMMUNITY BANKS/GA?
The financial health rating of UNITED COMMUNITY BANKS/GA (UCB) is 3 / 10.
How sustainable is the dividend of UNITED COMMUNITY BANKS/GA (UCB) stock?
The dividend rating of UNITED COMMUNITY BANKS/GA (UCB) is 6 / 10 and the dividend payout ratio is 40.2%.